次级抵押贷款仍然是美国信贷市场的微不足道的一部分 - 每年几十亿美元的贷款，但其存在是有道理的，即使对于史蒂夫·埃斯曼（Steve Eisman）也是有道理的。他说，我认为这部分是对收入不平等日期的回应。这个国家的收入分配歪曲并变得越来越倾斜，结果是您拥有更多的次级客户。
(Subprime mortgage lending was still a trivial fraction of the U.S. credit markets-a few tens of billions in loans each year-but its existence made sense, even to Steve Eisman. I thought it was partly a response to growing income inequality, he said. The distribution of income in this country was skewed and becoming more skewed, and the result was that you have more subprime customers.)